About Us

Carbon SME Finance is a product of One Finance & Investments Limited; an indigenous consumer finance company which seeks to empower Nigerian businesses by providing access to funds conveniently, flexibly, and without the need for collateral. We aim to be the solution to the common financing problems many small businesses face. Traditional sources of financing are not always available to the average SME, and even when they are, they are often rigid and hardly fit the merchant’s business flow.

This is where we come in.

We offer loans of up to N20 million based on a merchant’s monthly average sales revenue.

Product Benefits


Your loan is disbursed within 24 - 48 hours of application approval.


No collateral or guarantor required. Simply complete our application form, provide the required documents, and you are set to go.


We charge a fixed fee on the amount disbursed. Unlike traditional sources of funding, there are zero hidden fees.


You can repay your loan earlier than the term, we would not penalize you for doing that. Our repayment schedule is done easily via direct debit so you don't have to worry about doing a bank transfer.